Search found 18521 matches

by VictoriaF
Wed Jun 05, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10017

Re: Walking Cities, potential for retirees

"Walking" ranges from ten steps from the living room to the kitchen -- to walking for several hours without retracing your steps and enjoying even minute of it. You want to be able to start walking out of the door; not to drive for a half hour to a "walkable area." There is a correlation between ext...
by VictoriaF
Sun Jun 02, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 2923

Re: 23 and me vs. ancestry- thoughts?

I was ignoring these sites. UNTIL: Recently I''ve learned that the data generated by 23andMe can be used in other sites that provide detailed genetic information that can be used for genetic-based personalized treatments such as nutrigenomics and pharmacogenomics. And so I did the 23andMe test and ...
by VictoriaF
Sat Jun 01, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 2923

Re: 23 and me vs. ancestry- thoughts?

I was ignoring these sites. UNTIL: Recently I''ve learned that the data generated by 23andMe can be used in other sites that provide detailed genetic information that can be used for genetic-based personalized treatments such as nutrigenomics and pharmacogenomics. And so I did the 23andMe test and t...
by VictoriaF
Thu May 30, 2019 2:43 pm
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 184
Views: 59939

Re: Master thread for Washington DC Area Bogleheads

Celebrating Alan Krueger’s work and impact on economic policy - with Ben S. Bernanke @ Brookings Date/Time : Wednesday, Jun 26, 2019; 3:00 PM-5:00 PM EDT Location : Brookings Institution, Falk Auditorium, 1775 Massachusetts Avenue N.W., Washington, DC 20036 Alan Krueger, a Princeton University labo...
by VictoriaF
Wed May 29, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

Attention: IHG Point Breaks for June, July, and August 2019 go live today, 28 May 2019 at 12 noon. See https://www.ihg.com/rewardsclub/content/us/en/redeem-rewards/pointbreaks. Is this a regular event? It happens every three months. The beauty of the yesterday event is that you can get discounted-p...
by VictoriaF
Tue May 28, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

Attention: IHG Point Breaks for June, July, and August 2019 go live today, 28 May 2019 at 12 noon. See https://www.ihg.com/rewardsclub/content/us/en/redeem-rewards/pointbreaks . Victoria Point Breaks went live at about 12:30 PM. I have immediately booked Crowne Plaza Lille - Euralille, France, for ...
by VictoriaF
Tue May 28, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

I agree with most of what you wrote, and I don't care about TPG's or anyone else's valuations. But there is a middle ground of redemption that I follow. For example, I can open one CC every year earning 50k UR points. In combination with regular spending I can earn over 60k UR/year that would pay f...
by VictoriaF
Tue May 28, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

Attention:

IHG Point Breaks for June, July, and August 2019 go live today, 28 May 2019 at 12 noon. See https://www.ihg.com/rewardsclub/content ... ointbreaks .

Victoria
by VictoriaF
Mon May 27, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

Yes I hope everyone didn’t take my little rant wrong...I love points. I love the game, I love earning them, I love finding outsized value, etc. etc. etc. I just feel bad for folks who read TPG and say “well he said they’re worth $0.02 each so I should pay a $95/$250/$450/$550 annual fee to Chase/Am...
by VictoriaF
Mon May 27, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

TPG’s point valuations are a joke IMO. Have you actually attempted to redeem your points? You will realistically get two ranges of redemptions: $0.005-$0.015 or $0.03-$0.10 and beyond. Notice how you’ll rarely get a $0.02/pt redemption. Why is that? Because you can really only redeem your points in...
by VictoriaF
Tue May 14, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

hey all, could use some advice. wife and i have been hoarding our Chase Ultimate Rewards points and as such we have about 550-600,000 between the two of us. issue is, i don't think we have any time for any large trips in the near future and we're worried about point devaluation and such. Perhaps, y...
by VictoriaF
Thu May 09, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4599
Views: 1182728

Re: What Movie Have You Recently Watched?

“For the Ones We Loved” A French film with many short stories about awful romantic situations. It starts with a new husband exiting the church after the wedding ceremony and driving away with his lover in front of the wedding guests. The new wife does not cancel the party. And the guests go on to e...
by VictoriaF
Mon May 06, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4599
Views: 1182728

Re: What Movie Have You Recently Watched?

“For the Ones We Loved” A French film with many short stories about awful romantic situations. It starts with a new husband exiting the church after the wedding ceremony and driving away with his lover in front of the wedding guests. The new wife does not cancel the party. And the guests go on to ea...
by VictoriaF
Fri May 03, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 188
Views: 17157

Re: What non fiction book will you be reading in 2019?

My current priority books are: - Atomic Habits by James Clear - The Improv Handbook by Tom Salinsky and Deborah Frances-White - Finite and Infinite Games by James Carse - Eat that Frog by Brian Tracy - How to Measure Anything by Douglas Hubbard Victoria Victoria, have you read enough of any of thes...
by VictoriaF
Wed Apr 24, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: When is it worth it, and not, to live in a (very) high COL region?
Replies: 31
Views: 2649

Re: When is it worth it, and not, to live in a (very) high COL region?

It makes sense to live in a HCOL area if your children can go to excellent public schools, and if their peers are academically ambitious. It makes sense to live in a HCOL area if you can commute by public transport and don't spend hours driving. It makes sense to live in a HCOL area for a retiree wh...
by VictoriaF
Mon Apr 22, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6732

Re: After financial independence, do you play credit card bonus games?

Also, with credit card mileage awards and the like, you invariably end up with some excess miles. Excellent point [no pun intended]. People just need to be very careful about stockpiling frequent flyer miles. Airlines go through points devaluations quite regularly, so if you're stockpiling points f...
by VictoriaF
Mon Apr 22, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6732

Re: After financial independence, do you play credit card bonus games?

Another card worth a look is the newly rolled-out Marriott Bonvoy. Silly name, impressive benefits. Marriott and Hyatt cards are on my list to get after I finish with my higher priorities. I don't mind the name Bonvoy. It stands out in contrast with the "H" hotels such as Hyatt, Hilton, and Holiday...
by VictoriaF
Sun Apr 21, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6732

Re: After financial independence, do you play credit card bonus games?

I'll argue that the credit card bonus game is more appropriate after you reach financial independence: 1. You have more time to learn the game and practice it in the ever changing environment of points and miles 2. You have cash flow to accommodate large spending required for the bonus and pay it of...
by VictoriaF
Sun Apr 14, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 105
Views: 13299

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS OPEN ANNOUNCEMENT

Not sure why you're amazed and surprised since we sell out shortly after I make the announcement each year. If you read my announcement, you'll see the warning to respond promptly or get shut out. That's a fact; it's not a sales pitch. Here's what it said: Hi Mel, This will be my 13th Bogleheads co...
by VictoriaF
Sun Apr 14, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 310
Views: 50647

Re: Improving the TSP [for current participants]

Thank you both. Please mark your calendars for June 17th, when the proposed regulations will be published for public comment. We need to make sure the paperwork involved with taking monthly or other periodic withdrawals of our money from our TSP accounts is not burdensome. I'd like to see the propo...
by VictoriaF
Sun Apr 14, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

Victoria, In the last week of September of 2017 I applied for one of the SouthWest cards. One week later I applied for the 2nd Chase SouthWest card. In doing so I was able to pick up the SouthWest Companion pass at the start of the next year. This was back when SW was allowing people to apply for t...
by VictoriaF
Sun Apr 14, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 310
Views: 50647

Re: Improving the TSP [for current participants]

According to their February 2019 minutes, the Federal Retirement Thrift Investment Board remains on target to implement expanded withdrawal options on September 15, 2019. Here's a link to the Board's minutes, where this topic is discussed on pages 6-7: MichDad, I am grateful for your updates. I sho...
by VictoriaF
Thu Apr 11, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Torment from the IRS
Replies: 16
Views: 2400

Re: Torment from the IRS

If the IRS doesn't accept my check, I will send them a truck with $101,000,000 worth of pennies.

Victoria
by VictoriaF
Thu Apr 11, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: Navy FCU 40 month 3.75% IRA/ESA Cert
Replies: 15
Views: 1816

Re: NFCU 40 month 3.75% IRA/ESA Cert

I have opened this CD but it was some hassle to move money into it. Specifically, moving money from PenFed took a long time, and only after I called them, they have transferred the money. Transfer from Vanguard to NFCU was much faster. That's surprising to me. I have always been able to transfer mo...
by VictoriaF
Thu Apr 11, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

For those considering getting Chase IHG card with the 80k + 40k = 120k bonus, I have seen bloggers posting the end date of the offer on May 1st, 2019. See for example, Doctor of Credit, https://www.doctorofcredit.com/targeted-chase-ihg-premier-up-to-120000-points/ I want to get Chase-IHG, but I have...
by VictoriaF
Tue Apr 09, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: Navy FCU 40 month 3.75% IRA/ESA Cert
Replies: 15
Views: 1816

Re: NFCU 40 month 3.75% IRA/ESA Cert

I have opened this CD but it was some hassle to move money into it. Specifically, moving money from PenFed took a long time, and only after I called them, they have transferred the money. Transfer from Vanguard to NFCU was much faster.

Victoria
by VictoriaF
Tue Apr 09, 2019 7:41 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

I’d get the MPE for the bonus if you have no bette choices, but not as a keeper or use it for ongoing spend. One thing I'm wondering about: United offers expanded award availability to MPE cardholders. It'll be interesting to see whether or not this benefit becomes more valuable as time goes on. It...
by VictoriaF
Mon Apr 08, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

You might also want to look at using AA miles from Europe. BA (and VS) stick it to folks leaving the US even round trip with the surcharges. A one way from Europe/UK could be cheaper but I haven't priced it out on economy tickets so not sure how much cheaper. Excellent idea! I can use UA miles to t...
by VictoriaF
Mon Apr 08, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

There is no doubt that United devaluing is going to hurt UR's value especially for those flying on United metal. At this time United is keeping their partner awards the same but the pricing on their flights will become dynamic. It probably means less outsize value especially for those who travel du...
by VictoriaF
Mon Apr 08, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

... My favorite redemption now is 30k UA miles + $6 for day flights in Economy from IAD to London (LHR). What should I expect when the United plan comes into effect? If the answer is "nobody knows," I am still curious about likely scenarios. Victoria Expect to get award prices in lockstep with cash...
by VictoriaF
Mon Apr 08, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

Hi Victoria, At this time, no one knows is probably the right answer, but given how United has copied Delta with everything, it is likely they will go the Delta SkyMiles route which is essentially based on demand. With SkyMiles, if it is a high demand route on that particular day and time, the SkyM...
by VictoriaF
Mon Apr 08, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Personal information management: Zettelkasten / The Brain / Scrivener
Replies: 17
Views: 2203

Re: Personal information management: Zettelkasten / The Brain / Scrivener

Victoria, In the link you provided that reviews of Zkn3, Daniel, the creator of Zkn3, addresses some of the critiques voiced in the review (in the comment's section.) He answers that that files can be exported as CSV, plain text, etc. He goes on to comment on some of the other critiques. Overall, Z...
by VictoriaF
Mon Apr 08, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

Travel bloggers are angry about a recent announcement by United that they will eliminate award charts. Some blog visitors claim that it will make Chase's URs useless. I would like to understand the implications of the United's changes to adjust my credit card applications and points earning strategi...
by VictoriaF
Tue Apr 02, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?
Replies: 17
Views: 758

Re: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?

Citi-AA bonus and CitiBuz-AA bonus are decoupled; you should be able to get both at about the same time. Customer Service Representatives are frequently more ignorant than posters in FlyerTalk. If you have business and personal expenses you should keep then on separate cards, don't you? But you must...
by VictoriaF
Mon Apr 01, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Personal information management: Zettelkasten / The Brain / Scrivener
Replies: 17
Views: 2203

Re: Personal information management: Zettelkasten / The Brain / Scrivener

I decided to try Zkn3, http://zettelkasten.danielluedecke.de/en/ by Daniel Luedecke. Update: I have downloaded the program, but could not find the instructions for using it and got sidetracked into following various links. This article gave me a pause, "Switching from Zkn³ to a Plain Text Approach"...
by VictoriaF
Mon Apr 01, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Personal information management: Zettelkasten / The Brain / Scrivener
Replies: 17
Views: 2203

Re: Personal information management: Zettelkasten / The Brain / Scrivener

Here is some more information on using Sublimetext. The author uses Sublimetext for his note taking. http://www.dansheffler.com/blog/2015-05-11-my-zettelkasten-in-sublime/ You might be familiar with him as he participated in the zettelkasten.de website (a lot of back and forth with authors in the c...
by VictoriaF
Mon Apr 01, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Personal information management: Zettelkasten / The Brain / Scrivener
Replies: 17
Views: 2203

Re: Personal information management: Zettelkasten / The Brain / Scrivener

I own the book too, and it has clarified some steps in the process as well. Have you seen his presentation? He covers the core concepts from his book: https://vimeo.com/275530205 autodidact Autodidact, Watching Sonke Ahrens's presentation was very useful for me. It's true that the core concepts are...
by VictoriaF
Mon Apr 01, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

Ketawa wrote:
Mon Apr 01, 2019 1:40 pm
FWIW, here are a few of my stats from the rewards game. I started heavily in this game a little over 5 years ago. Since then:
...
Great job!

Victoria
by VictoriaF
Mon Apr 01, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13726

Re: Folks in their 60s and above. What early investment on health do you recommend.

I'll get off the soap-box now... Thank you for having stood on the soap-box. The problem is that refined sugar is deeply ingrained in the American life. Girl-scouts are famous for their cookies -- and forcing these cookies on everyone around them (and around their parents). Female politicians brag ...
by VictoriaF
Mon Apr 01, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5334

Re: Help on Women and Investing

Yes, there apparently is a lack of confidence among some women in investing and general money management. I don’t know how prevalent it is, or how much more prevalent it is among women than men, or how much it affects their investment strategy, but it’s there. I don't know the prevalence either. My...
by VictoriaF
Mon Apr 01, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13726

Re: Folks in their 60s and above. What early investment on health do you recommend.

By the way, many of the most toxic mushrooms, e.g. Amanita species, have toxins that are not sensitive to heat, but you will thankfully not find these in any market. However, if you hunt your own fungi, that's different; you really need to know what you are doing. Or maybe have your own private liv...
by VictoriaF
Mon Apr 01, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3887
Views: 721462

Re: What's Your Credit Card Rewards Strategy?

It’s also a bit of a game to maximize rewards with minimal share of mind. And games are important in our lives. Someone who has been following the Bogleheads philosophy for many years, has established his Three Fund Portfolio or something like that, and put his investment process on autopilot -- he...
by VictoriaF
Sun Mar 31, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13726

Re: Folks in their 60s and above. What early investment on health do you recommend.

Minimize or avoid caffeine. It causes vasoconstriction (raises blood pressure by narrowing arteries) and in the long term is not good for you. So stop going to Starbucks and save a few hundred a year you can devote to a nice hiking trip in the mountains. Coffee, black tea, and green tea have health...
by VictoriaF
Sun Mar 31, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 172
Views: 20557

Re: Why should FEHB members buy Medicare Part B?

FEHB could go away, or become more expensive, or lose much of its appeal. It is within the realm of possibilities. Yes, those are all possibilites though they appear to be quite remote and on the same scale of possibilites as the Congress and the President enacting legislation to take away or dimin...
by VictoriaF
Sun Mar 31, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 42
Views: 4140

Re: Best enhancement for folks who work from home

1. Windows providing natural light during the day.
2. No disruptions.
3. No noise.
4. No commute.

Victoria
by VictoriaF
Sun Mar 31, 2019 7:37 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5334

Re: Help on Women and Investing

Owing to individual differences (nature and nurture) some people - men and women - will be more interested in investing than others and also will approach it differently, e.g., passively or actively, conservatively or aggressively, with or without sufficient self-control, alone or DIY. But as has b...
by VictoriaF
Sun Mar 31, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 172
Views: 20557

Re: Why should FEHB members buy Medicare Part B?

In my opinion, you should base your decision not on other people's experiences but on risk calculations. For example, assume that you will need to get Medicare Part B 15 years from now and will live for 15 years after that. Calculate how much you would be saving by not having Part B for 15 years an...
by VictoriaF
Sun Mar 31, 2019 6:49 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 420
Views: 41576

Re: I don't understand the case for EE bonds

Strictly out of curiosity, I wonder if anyone is currently buying EE bonds now that you can get a 5 year CD paying 3.51% . Yes, there is reinvestment risk, but it's far more liquid than EE bonds. Just speaking for myself, buying CDs in an IRA has been a hassle. It takes way more micro managing than...
by VictoriaF
Sun Mar 31, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 172
Views: 20557

Re: Why should FEHB members buy Medicare Part B?

I was also hoping to hear from any fed retirees who did not take Part B! Please chime in!! I turn 65 this year. My intention is to opt out of Part B since I would have to pay the IRMAA ($433 per mo for 2019 for 4 months, and $370 per mo for 2020; not sure about the level of IRMAA for the remaining ...
by VictoriaF
Sun Mar 31, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 278
Views: 27670

Re: "The best and worst U.S. states for retirement"

The cost of living in California depends on a couple of factors people outside California may not be aware of. 1.) If one had bought their house before 1978 and never moved, the property tax would be very low, due to proposition 13. 2.) Housing cost & labor cost are very high in some parts of Calif...